The forums are a nexus for complaints. We not only get just one side of the story, carefully presented to best support the aggrieved player, but also see an inordinate concentration of rare occurrences. The forums are good for inventing problems that don't exist, as well as exaggerating relatively minor ones that do.
However, if you look in-game, people talk a lot in FC, in linkshells, in shout, etc. The only real deficit I can see in this game compared to something like WoW is that FFXIV has nothing equivalent to Trade chat. Shout is zone locked and all global channels are invite-only for a small and mostly static roster. People talk though. They ask and answer questions, make jokes, and even get in arguments. There was so much fighting over the most asinine stuff in Eureka over the train and then the chain and then the train again, as well as many other things. If the TOS is overreaching and having some sort of chilling effect, I'd be hard pressed to make such a case. Things seem completely fine.
Additionally, it's not like I'm some sickeningly nice carebear nor are the people I know, and I don't believe any of us have ever been penalized for something said in chat. We mostly just avoid picking fights and keep questionable humor to ourselves, which is probably the goal of the TOS in the first place. I've never felt like I couldn't say something reasonable because of the TOS, though it has made me reconsider saying some things I probably shouldn't have said anyway. It's really not the problem people make it out to be, but if you can really feel its limitations, perhaps you need to reconsider whether or not what you want to say is appropriate for this setting anyway. SE has every right to set rules to curate a particular experience for their customers and you have no similar right to damage their product by violating those rules. If you find it to be too much, maybe this isn't the product for you.



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